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White G: Financial Planning Fundamentals

Financial Planning Fundamentals

Strategies for Achieving Financial Goals

¿Quieres sacarle el mejor provecho a tu dinero, pero no sabes por dónde empezar? Este libro es para ti. No importa si eres doctor en ciencias ocultas, programadora, floricultor, psicoanalista, emprendedor en ciernes o músico, poeta y loco; ya seas millonario o becario, puedes utilizar tu dinero de forma más inteligente, aunque no seas fan de los números y las finanzas. Con Pequeño Cerdo Capitalista -el libro más vendido de finanzas personales en los últimos 10 años escrito por una autora de habla hispana y que ha cautivado a más de 500 mil lectores-tendrás las herramientas más efectivas para ahorrar, invertir y maximizar tus ingresos. Sofía Macías te explica sin rollos -y con una que otra pedrada o coscorrón para ser más claros- por qué todos podemos ahorrar, los trucos para lograrlo, cómo usar las tarjetas de crédito a tu favor y salir de deudas terroríficas, formas de bajarle a tus impuestos, cómo poner tu dinero a trabajar y animarte a invertir, así como tus opciones para el retiro. En esta edición actualizada encontrarás los clásicos infalibles que han ayudado a miles de lectores y también los últimos cambios, consejos y datos para actualizar tus finanzas. ¡El tiempo es dinero! ¿Qué esperas para arreglar tu relajito financiero y usarlo a tu favor? ENGLISH DESCRIPTION Do you want to make the most of your money but don’t know where to start? This book is for you. It doesn’t matter if you’re a doctor in occult sciences, a programmer, a flower grower, a psychoanalyst, an aspiring entrepreneur, or a musician, poet, and madman, whether you’re a millionaire or an intern, you can use your money more intelligently, even if you’re not a fan of numbers and finance. With Pequeño Cerdo Capitalista—the best-selling personal finance book of the past 10 years written by a Spanish-speaking author and loved by more than 500,000 readers—you’ll have the most effective tools to save, invest, and maximize your income. Sofía Macías explains without fluff—and with a few playful jabs or wake-up slaps to make things clearer—why everyone can save, tricks to achieve it, how to use credit cards to your advantage and escape terrifying debts, ways to reduce your taxes, how to make your money work for you and dare to invest, as well as your options for retirement. In this updated edition, you’ll find the classic infallible tips that have helped thousands of readers and also the latest changes, advice, and data to refresh your finances. *Time is money!* What are you waiting for to fix your financial mess and make it work in your favor?

Pequeño cerdo capitalista (Edición actualizada 2025) / The Little Capitalist Pig (Update 2025 Edition)

Money problems can threaten the relationships a family values most. This practical guide shows families how they can protect their love and their money by building trust. A secret credit card. An unpaid family loan. Unequal support for siblings. An aging parent who needs help managing money. An inheritance that feels unfair. Each situation raises questions about honesty, care, responsibility, and whether family members can rely on one another. Most families enter these conversations without shared language or a clear process. Important issues go unspoken, assumptions turn into resentment, and a financial disagreement can cause lasting damage. In this book, trust expert Charles Feltman, whose Thin Book of Trust has sold nearly 100,000 copies, and family dynamics advisor Emily Bouchard give families a practical framework for handling money while strengthening their relationships. Drawing on fifty years of combined experience, they show how 4 essential components of trust—care, sincerity, reliability, and competence—shape nearly every financial decision a family makes. You’ll learn how to <ul><li>uncover the family stories and values that influence your behavior with money; </li><li>talk openly about finances with partners, children, siblings, and aging parents; </li><li>make fair decisions when family members have different needs or abilities; </li><li>create clear agreements that prevent misunderstandings and broken promises; and </li><li>repair trust after financial secrecy, betrayal, or conflict. </li></ul> Real family stories demonstrate how the framework applies to everyday spending, financial infidelity, caregiving, blended families, addiction, inheritance, estate planning, and the transfer of wealth across generations. The included discussion guide on trust in action provides questions and activities families can use to begin important conversations. Short, practical, and immediately useful, this book helps families address financial issues before resentment takes hold and begin repairing relationships when damage has already been done. Make money decisions that support your family’s well-being while strengthening the trust that holds your relationships together.

Stop money problems from destroying your family with 4 proven trust principles that prevent conflicts, repair financial damage, and keep relationships strong across generations. Money touches every family relationship, and trust is what determines whether it brings people closer or drives them apart. This book is about relational trust, the honesty, reliability, and mutual care between family members, not financial trust instruments. It gives you a practical framework for navigating money decisions together, from everyday expenses to major life transitions. This book is for <ul><li>couples building a financial life together;</li><li>parents teaching kids about money at every age;</li><li>adult children navigating inheritance or aging parents' finances;</li><li>blended families working through competing loyalties and values;</li><li>siblings managing unequal support, caregiving costs, or estate decisions; and</li><li>any family recovering from financial conflict, broken promises, or betrayal.</li></ul> The authors introduce 4 components of trust—care, sincerity, reliability, and competence—and show how each one plays out when families deal with money. Drawing on stories from their own lives and the families they've served over a combined sixty years, they offer a shared language that replaces blame and assumptions with clarity and connection. Whether you're writing a will, helping a teenager budget, or repairing a financial betrayal, this book helps you protect both your money and your relationships.

An Essential Primer for Families

The Little Book of Trust and Money

Part life philosophy, part financial clarity, and part real-world wisdom from a hugely popular estate planning attorney who has seen what happens when families plan and when they don't. I'm Sorry I'm Dead helps readers confront the reality of life's end, not in a morbid way, but in a deeply empowering one. Estate planning attorney, entrepreneur, and best-selling author Pamela Maass Garrett aka Law Mother has helped thousands of families navigate what happens when someone dies. She has seen firsthand that the biggest problems families face are rarely legal: they are emotional, relational, and the result of decisions never made . . . siblings that stop speaking over a dispute about their parent's home, a grieving widow locked out of bank accounts because she didn't know how to get access, and families forced to guess about critical medical decisions. All of these problems can be easily avoided. In this book, Garrett introduces a powerful mindset shift: when you face the end of life honestly, you begin living more intentionally today. Through compelling stories from real families, practical financial insights, and simple decision-making frameworks, readers learn how to take control of their lives before circumstances take control of them. The book guides readers through the most important life decisions most people avoid: · how to organize finances and build real wealth · how to protect loved ones legally and emotionally · how to make difficult family decisions before crisis strikes · how to prevent conflict, confusion, and regret after death · how to create a legacy that strengthens future generations rather than unintentionally burdening them with a huge tax bill · what you really can and can't do Rather than overwhelming readers with technical legal details, I'm Sorry I'm Dead offers a clear philosophy and practical tools for making the decisions that matter most. The result is a life lived with greater clarity, stronger relationships, and the peace of knowing the people you love will be protected. This book is for anyone who wants to stop drifting through life and start deciding it.

Estate Planning to Protect the People You Love and Leave Behind More Than Money

I’m Sorry I’m Dead

Revised and expanded second edition. Welcome to the start of the rest of your life-the one where you aren't wandering in the (financial) dark without a flashlight. The one where you have a clear roadmap to your future, and mathematical confidence that you and your family can have the kind of life you dream of! This book contains thousands of dollars worth of professional financial planning advice, hints, tips, and hacks.

This book shows you how to take control and build your own financial plan, using high fidelity, inexpensive software, not the simplistic financial/retirement planning tools you find all over the internet.

I'll take you through some important general financial planning context, and then through the steps to building a financial plan for a sample family. Along the way, we'll discuss the different inputs and assumptions required for any financial plan, as well as how to interpret the results and put your plan into action.

This book will first take you through some general financial planning context, and then take you through the steps to building a financial plan for a sample family. Along the way, we'll discuss the different inputs and assumptions required for any financial plan, as well as how to interpret the results and put your plan into action. I'll minimize the use of screen shots, as they're quickly outdated and a detriment to those who need to or prefer to listen to audiobooks. I won't use them for pages with just a few simple inputs. It will also help to apply this book to high-fidelity financial planning tools other than the one I use (Pralana). This is not a user manual for that tool. I won't go into every obscure nook and cranny of Pralana, because it would get boring and those side areas aren't relevant to most people. This book is more of a casual, informative walk through how to use the tool to set up a financial roadmap for the average household, using an average household as our example. It is how I would guide you, as a client, to learning and using the tool for your benefit.

This is a book about creating your own financial plan, using a sample representative family and reviewing their configuration, optimization, and analysis. We cover the most commonly used settings, inputs, and assumptions, but simply can't delve into every seldom-used side case nook and cranny. The book would be quite unwieldy, not as useful, and certainly difficult to get through. The user manual is now built-in to the tool, context sensitive, comprehensive, and awesome, so please defer to it to clarify or add to anything in this book that you don't fully understand, as well as the extremely helpful user forum at the Pralana website. If you don't have a basic understanding of personal finance, investing, and retirement planning concepts, start with my companion book, Kiss Your Money Hello (and Financial Stress Goodbye). This theme of this book is simplicity, as you'll see. I didn't want to write a wieldy 400-page tome. I wanted something easily digestible, succinct, and to the point.

Create and Control Your Own Financial Plan

Plan Your Money Path

Por fin un planificador efectivo con los mejores consejos para multiplicar tus ingresos y los espacios ideales para escribir tus metas, gastos y prioridades, ¿de quién más? ¡Del Pequeño Cerdo Capitalista! Organiza tus metas, tu tiempo y tu dinero una semana a la vez con los ejercicios, retos y seguimiento a tus gastos diarios y hábitos financieros, que Sofía Macías ¡sabe que te urgen! El Método Pequeño Cerdo Capitalista es un planificador financiero divertido y recargado con increíbles tips, formatos y stickers para aumentar tus ahorros y tus inversiones, una guía imprescindible para recordarte pagos, reducir tus deudas, distribuir tus ingresos e ir paso a paso por el carrazo de tus sueños, ¡iniciar el pago del depa que siempre has deseadOINK!, o lo que tú más quieras. ENGLISH DESCRIPTION Finally, an effective planner with the best tips to multiply your income and the ideal spaces to write your goals, expenses, and priorities, from none other than the Little Capitalist Pig! Organize your goals, your time, and your money one week at a time with the exercises, challenges, and tracking of your daily expenses and financial habits that Sofía Macías knows you urgently need! The Little Capitalist Pig Method is a fun and loaded financial planner with incredible tips, formats, and stickers to increase your savings and investments, an essential guide to remind you of payments, reduce your debts, distribute your income, and step by step get the car of your dreams, start paying for the apartment you've always wanted, or whatever you desire.

Por fin un planificador efectivo con los mejores consejos para multiplicar tus ingresos y los espacios ideales para escribir tus metas, gastos y prioridades, ¿de quién más? ¡Del Pequeño Cerdo Capitalista! Organiza tus metas, tu tiempo y tu dinero una semana a la vez con los ejercicios, retos y seguimiento a tus gastos diarios y hábitos financieros, que Sofía Macías ¡sabe que te urgen! El Método Pequeño Cerdo Capitalista es un planificador financiero divertido y recargado con increíbles tips, formatos y stickers para aumentar tus ahorros y tus inversiones, una guía imprescindible para recordarte pagos, reducir tus deudas, distribuir tus ingresos e ir paso a paso por el carrazo de tus sueños, ¡iniciar el pago del depa que siempre has deseadOINK!, o lo que tú más quieras. ENGLISH DESCRIPTION Finally, an effective planner with the best tips to multiply your income and the ideal spaces to write your goals, expenses, and priorities, from none other than the Little Capitalist Pig! Organize your goals, your time, and your money one week at a time with the exercises, challenges, and tracking of your daily expenses and financial habits that Sofía Macías knows you urgently need! The Little Capitalist Pig Method is a fun and loaded financial planner with incredible tips, formats, and stickers to increase your savings and investments, an essential guide to remind you of payments, reduce your debts, distribute your income, and step by step get the car of your dreams, start paying for the apartment you've always wanted, or whatever you desire.

El Método Pequeño Cerdo Capitalista. Ordena tu dinero, tus metas y tu tiempo una semana a la vez / The Little Capitalist Pig Method

The action guide to building serious financial power.For too long, women have worked twice as hard to earn less than men, and women have felt emotionally broke and financially stressed. It's time for a change and time for women--especially women of color--to make bank.In her first book, We Should All Be Millionaires, Rachel Rodgers--Black woman, mother of four kids, and self-made millionaire--shared her personal story. How she climbed from crushing debt and financial stress to wealth and abundance, running a multi-million-dollar company, and owning a blissful 57-acre horse ranch.Her book inspired thousands of readers and listeners to construct a new attitude about money, claim their power, and build the financial security that we all need and deserve. Now, with Hello Seven, Rachel provides a practical framework to achieving seven-figure wealth. This is the book that makes it happen. Rachel lays out the Hello Seven Growth Scale so you can identify where you fall on one of seven levels -- from $0 to 7 figures -- and map out the specific action steps you need to take to grow from one level to the next.

The action guide to building serious financial power.

Your Step-by-Step Guide to Earning a Million Dollars in Annual Income

Hello Seven

Most people don't struggle financially because they know too little. They struggle because financial decisions are shaped by emotion, stress, and the money stories they carry.
 
If you have ever felt stuck, embarrassed, overwhelmed, or behind in your financial life, the problem may not be a lack of discipline or knowledge. It may be that your money choices are being shaped by old stories, emotional triggers, inherited habits, and real-life pressure that traditional financial advice rarely addresses.
 
S.H.I.F.T.: The Behavior-Based Method to Lasting Wealth helps you look beneath the numbers to understand why you make certain financial decisions-and how to build practical systems that support better ones. Drawing on decades of financial education experience, Rodney Bolden introduces the S.H.I.F.T. framework: Sentiment, History, Impulses, Framework, and Trajectory.
 
This book will help you:Understand the emotions and money attitudes that influence everyday financial choices
Identify the lessons, silences, and misinformation that shaped your money story
Interrupt reactive spending, avoidance, fear, and financial FOMO before they take over
Build practical systems for goals, budgeting, emergency savings, debt, investing, protection, and legacy
Review and adjust your financial life with confidence as circumstances change



This is not a book about becoming perfect with money. It is a book about understanding your patterns, building systems you can return to, and taking the next honest step toward stability, resilience, peace, and purpose.

Written for individuals who feel financially stuck-and for workplace leaders, HR professionals, benefits teams, and equity plan managers who want to support employees with greater clarity and empathy-S.H.I.F.T. helps readers understand what has been driving their financial choices and build a steadier way forward.

The Behavior-Based Method to Lasting Wealth

S.H.I.F.T

NEW YORK TIMES BESTSELLER • From Zillennial Finance Expert Mrs. Dow Jones comes a groundbreaking, judgment-free personal finance guidebook about how to grow wealth on your own terms. You’re not bad with money. It’s just no one ever taught you how to win a game rigged against you. Recessions. Crushing student debt. Inflation that won’t quit. A housing market that feels like a joke. If you’re a Gen Z or millennial, it feels like the financial deck has been stacked against you from day one. But here’s what the doom-scrolling won’t tell you: You can still get rich. Haley Sacks—the Zillennial Finance Expert behind Mrs. Dow Jones—has helped millions of people flip the script on money and unlock their financial power. No trust fund required. No lottery ticket needed. Just actionable strategies broken down and the guts to face your finances head-on. In this positive, realistic, and engaging guide to personal finance, you’ll unlock: • The money mindset shift that changes everything • A financial organization system that actually makes sense • How to boost your income and get paid what you’re worth • The “Future Rich Person” budget that feels like freedom • Your financial escape hatch (and why it’s non-negotiable) • Why you should be married to the market (like Mrs. Dow Jones herself!) This isn’t about cutting lattes or living like a monk. This is about making your money work as hard as you do—and finally feeling powerful instead of stressed. The financial freedom you deserve? It starts the moment you decide you’re a Future Rich Person. And that moment is right now. With a sense of humor and a savvy mindset, Haley Sacks will help you navigate the world of modern money and achieve the financial freedom you deserve. It all starts now when you embrace your life as a Future Rich Person!

From Zillennial Finance Expert Mrs. Dow Jones comes a groundbreaking, judgment-free personal finance guidebook about how to grow wealth on your own terms. You’re not bad with money. It’s just no one ever taught you how to win a game rigged against you. Recessions. Crushing student debt. Inflation that won't quit. A housing market that feels like a joke. If you're a Gen Z or millennial, it feels like the financial deck has been stacked against you from day one. But here's what the doom-scrolling won't tell you: You can still get rich. Haley Sacks—the Zillennial Finance Expert behind Mrs. Dow Jones—has helped millions of people flip the script on money and unlock their financial power. No trust fund required. No lottery ticket needed. Just actionable strategies broken down and the guts to face your finances head-on. In this positive, realistic, and engaging guide to personal finance, you’ll unlock: <ul><li>The money mindset shift that changes everything</li><li>A financial organization system that actually makes sense</li><li>How to boost your income and get paid what you're worth</li><li>The "Future Rich Person" budget that feels like freedom</li><li>Your financial escape hatch (and why it's non-negotiable)</li><li>Why you should be married to the market (like Mrs. Dow Jones herself!)</li></ul> This isn't about cutting lattes or living like a monk. This is about making your money work as hard as you do—and finally feeling powerful instead of stressed. The financial freedom you deserve? It starts the moment you decide you're a Future Rich Person. And that moment is right now. With a sense of humor and a savvy mindset, Haley Sacks will help you navigate the world of modern money and achieve the financial freedom you deserve. It all starts now when you embrace your life as a Future Rich Person!

The New Rules for Building Wealth (Even if You're Stuck, Broke, and that Billionaire Won't Text You Back...)

Future Rich Person

Dinero. ¿Y si no tuvieras que preocuparte por él nunca más? Los seres humanos siempre hemos estado programados para perseguir el éxito financiero, sin embargo, intentamos dominar métodos que van en contra de nuestras tendencias naturales, como presupuestos estrictos, sacrificios, herramientas complejas, reducción de las alegrías de la vida o la adopción de comportamientos totalmente nuevos. El hábito del dinero es diferente: simplemente activa lo que ya llevas dentro. Esta guía esencial ofrece un enfoque probado y sostenible para lograr la estabilidad financiera, la seguridad y el patrimonio a largo plazo sin obligarte a cambiar tu forma de ser. Solo necesitas activar tu Hábito del Dinero. Con el modelo Profit First, el emprendedor y experto en finanzas Mike Michalowicz ha ayudado a más de un millón de empresas y emprendedores a alcanzar la independencia financiera; ahora en El hábito del dinero traslada este sistema probado a las finanzas personales. Michalowicz brinda una alternativa radicalmente sencilla: al categorizar tu dinero en distintas cuentas bancarias obtendrás claridad financiera al instante, controlarás tus gastos y te sentirás empoderado, todo ello sin renunciar a la responsabilidad financiera. En este nuevo libro, ofrece pasos prácticos para alinear tus finanzas con tu estilo de vida y objetivos, ya sea para salir de deudas, gastar dinero, ahorrar para una compra importante o planificar el futuro. ENGLISH DESCRIPTION USA Today Bestseller Money. What if you never had to worry about it again? In the follow-up to his international bestseller Profit First, entrepreneur and money expert Mike Michalowicz reveals how to achieve financial freedom by working with your natural habits rather than trying to change them. His Profit First model has already helped over a million businesses and entrepreneurs achieve financial independence. Now, with The Money Habit, he brings that proven system to personal finance. Most financial advice demands strict budgets, sacrifice, and cutting back on life’s joys, yet only 9% of people stick with these approaches. Other systems rely on complex tools or require adopting entirely new behaviors, leading to similarly grim results. Michalowicz offers a radically simple alternative, guiding you to leverage your existing habits for financial success. By categorizing money into distinct bank accounts, you will instantly gain cash clarity, track spending, and feel empowered, all while maintaining financial responsibility. He provides actionable steps to align your finances with your lifestyle and goals ― whether those are to get out of debt, spend some money, save for a big purchase, or plan for the future ― illustrated with lessons from his own journey, from losing his first fortune to regaining financial freedom. The truth is humans have always been wired for financial success, yet we are trying to master methods that work against our natural tendencies. The Money Habit is different: it simply activates what’s already within you. This essential guide delivers a proven, sustainable approach to financial stability, security, and long-term wealth without forcing you to change who you are. All you need to do is activate your money habit.

Dinero. ¿Y si no tuvieras que preocuparte por él nunca más? Los seres humanos siempre hemos estado programados para perseguir el éxito financiero, sin embargo, intentamos dominar métodos que van en contra de nuestras tendencias naturales, como presupuestos estrictos, sacrificios, herramientas complejas, reducción de las alegrías de la vida o la adopción de comportamientos totalmente nuevos. El hábito del dinero es diferente: simplemente activa lo que ya llevas dentro. Esta guía esencial ofrece un enfoque probado y sostenible para lograr la estabilidad financiera, la seguridad y el patrimonio a largo plazo sin obligarte a cambiar tu forma de ser. Solo necesitas activar tu Hábito del Dinero. Con el modelo Profit First, el emprendedor y experto en finanzas Mike Michalowicz ha ayudado a más de un millón de empresas y emprendedores a alcanzar la independencia financiera; ahora en El hábito del dinero traslada este sistema probado a las finanzas personales. Michalowicz brinda una alternativa radicalmente sencilla: al categorizar tu dinero en distintas cuentas bancarias obtendrás claridad financiera al instante, controlarás tus gastos y te sentirás empoderado, todo ello sin renunciar a la responsabilidad financiera. En este nuevo libro, ofrece pasos prácticos para alinear tus finanzas con tu estilo de vida y objetivos, ya sea para salir de deudas, gastar dinero, ahorrar para una compra importante o planificar el futuro. ENGLISH DESCRIPTION USA Today Bestseller Money. What if you never had to worry about it again? In the follow-up to his international bestseller Profit First, entrepreneur and money expert Mike Michalowicz reveals how to achieve financial freedom by working with your natural habits rather than trying to change them. His Profit First model has already helped over a million businesses and entrepreneurs achieve financial independence. Now, with The Money Habit, he brings that proven system to personal finance. Most financial advice demands strict budgets, sacrifice, and cutting back on life’s joys, yet only 9% of people stick with these approaches. Other systems rely on complex tools or require adopting entirely new behaviors, leading to similarly grim results. Michalowicz offers a radically simple alternative, guiding you to leverage your existing habits for financial success. By categorizing money into distinct bank accounts, you will instantly gain cash clarity, track spending, and feel empowered, all while maintaining financial responsibility. He provides actionable steps to align your finances with your lifestyle and goals ― whether those are to get out of debt, spend some money, save for a big purchase, or plan for the future ― illustrated with lessons from his own journey, from losing his first fortune to regaining financial freedom. The truth is humans have always been wired for financial success, yet we are trying to master methods that work against our natural tendencies. The Money Habit is different: it simply activates what’s already within you. This essential guide delivers a proven, sustainable approach to financial stability, security, and long-term wealth without forcing you to change who you are. All you need to do is activate your money habit.

El hábito del dinero / The Money Habit: The Worry-Free Way to Financial Independence

Nicole will show you how to have a kid financially, how to raise that kid, and how to manage your newfound promotion to Mom status without going broke or insane.

The Guide to Generational Wealth

Rich Mom

Understand client behavior and apply financial psychology in real-world planning Now in its Second Edition, Psychology of Financial Planning: The Practitioner's Guide to Money and Behavior remains the definitive resource for understanding the psychological dynamics that influence financial decision-making. Authored by three leading experts in financial psychology, this updated volume aligns with the CFP Board's expanded learning objectives and provides actionable tools for integrating behavioral insights into everyday practice. This edition delivers expanded coverage of multicultural competence, ethical considerations, and client assessment methods. Readers gain practical insights into behavioral finance, money conflict resolution, communication strategies, and crisis management. The book addresses client and planner attitudes, values, and biases while providing principles of counseling that help build deeper, more effective client relationships. Readers will also find: <ul> <li>Updated content aligned with the CFP Board's expanded psychology learning objectives for certification and continuing education requirements</li> <li>Practical frameworks for identifying and addressing money scripts, financial behaviors, and the psychological barriers that undermine client outcomes</li> <li>Effective communication strategies and counseling principles designed to help planners navigate difficult conversations and build lasting trust</li> <li>Tools for managing crisis events with severe financial and emotional consequences, including divorce, job loss, and sudden wealth</li> <li>Guidance on multicultural competence and ethical considerations essential for serving diverse client populations with sensitivity and professionalism</li> </ul> Psychology of Financial Planning is essential reading for financial planners, wealth advisors, and educators seeking to understand how psychology shapes money decisions. Whether preparing for CFP certification or enhancing client relationships, this book provides the behavioral insights needed to deliver more effective, emotionally intelligent financial advice.

Psychology of Financial Planning

Construction Business for the 21st Century: Managing Risk and Improving Profits covers the business side of construction contracting. This book provides 21st-century processes, procedures, and practices that will advance the construction industry into the future.The industry that built the United States suffers from diminishing profit margins, causing it to have the second highest failure rate in the nation. Drawing from decades of research into the causes of contractor failure, the author offers solutions for improved profits and risk management and identifies "legacy" industry practices that have become obsolete. The topics covered, such as project selection, the low-bid process, risk identification and management, and understanding market cycles, are critical subjects for 21st-century construction professionals. This book also addresses in detail the important subjects of succession planning, industry consolidation, growth limits, joint ventures, equipment management, and boards of directors/advisors. Readers will receive critical insights into financial and accounting processes, which are rarely covered in technicians' and engineers' education.Whether a general contractor, construction manager, specialty contractor, credit grantor, or student, this book will provide a thorough understanding of the intricacies and complexities needed to succeed in the construction business.

Managing Risk and Improving Profits

Construction Business for the 21st Century

Financial Planning Fundamentals

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